With the onset of spring and summer coming very soon, the storm season is upon us. Already, there have been several reported tornadoes, hail storms, and incidences of high winds throughout the country. Many families have suffered damage to their homes, including to their roofs, windows, and more. Some of these repairs are covered by homeowner’s insurance, but for those that may not be there are a few alternatives.

If you have good credit, you may be able to take out a personal loan to help pay for any repairs not covered by your insurance company. A bank or credit union will examine a borrower’s credit history and employment background to determine whether or not to extend the loan. That is the basis for approving a loan – whether or not the borrower will be able to repay it.

For those with good credit and who also have some home equity, they may be able to borrow against the value of their home. They may be able to take out a second mortgage, a home equity loan, or a home equity line of credit. The last option, the line of credit, is an especially great option since you can dip into it at any time and you only have to repay the amount that is actually used.

For those that do not have such a good credit history, the options are limited but a car title loan could help to defray some of the costs that may not be covered by insurance. If you have a vehicle with a clear title, or in some cases one that is almost completely paid for, you can most likely qualify for a title loan. Embassy Loans in Florida is one of the state’s leading providers of auto equity loans and have helped thousands of people in emergency situations.

The process is really very simple and, as the thousands of satisfied Embassy Loans customers can attest, very quick. Borrowers will fill out an application either online or in person at one of the company’s many convenient locations. The borrower will be asked to provide some documentation – a picture ID, title to the vehicle – and then the company will inspect the vehicle. Once its value has been determined, the loan process can be completed and the borrower can get access to the cash. This entire process can be completed in as little as an hour, with most finished the same day. Borrowers can then take care of their uninsured repairs in a timely fashion.